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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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8700 Front Beach Rd Unit 5214 , Panama City Beach, FL 32407
$369,000
Est. Payment: $1,871.50/mo
3 Bed
3 Bath
1761 Sqft
Status: active | Days on site: 12
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome to Unit 5214 at The Island Reserve -- 8700 Front Beach Rd, Panama City Beach, FL 32407 Discover resort-style living in this spacious approximately 1,761 sq ft, 3-bedroom, 2.5-bath condominium -- one of the nicest units in the complex -- located in one of Panama City Beach's most desirable gated communities. Built in 2008, Island Reserve offers a true residential lifestyle with no short-term rentals permitted. Long-term rentals are allowed with a minimum lease term of 6 months and 1 day, making this an ideal primary home, second home, or long-term investment property. This unit comes furnished at full asking price (or unfurnished, if preferred). Step inside to an open, light-filled layout featuring soaring 10-foot ceilings, crown molding, designer vinyl floors and tile floors, and an inviting living/dining area that flows into a well-appointed kitchen with granite countertops and high-end designer LG appliances. The primary suite provides a private retreat with a generous walk-in closet, soaking tub, and separate shower, plus convenient access to your private balcony that offers a beautiful view of the landscape and the pool. Two additional bedrooms and a convenient half bath complete the flexible floor plan, with in-unit washer/dryer connections for everyday ease. Residents enjoy exceptional amenities just steps away: a spectacular 1-acre lagoon-style pool with waterfalls, zero-entry access, lap area, hot tub, and outdoor showers; a state-of-the-art fitness center; indoor basketball/pickleball courts; a theater room with large screen; game room; clubhouse; and lush landscaped courtyards with fountains. Garage parking and gated security add convenience and peace of mind. Located just minutes from the sugar-white sands of the Gulf of America, Pier Park shopping and dining, and other Panama City Beach attractions, Unit 5214 delivers the perfect blend of coastal convenience and upscale resort living. Experience the Island Reserve lifestyle -- schedule your private tour today.

Highlights

Listed by Tracey A Carico , 850-708-2525 and Kelly Hamlin , 850-532-1234 Home Town Realty Partners LLC , 850-725-2000. Bay County Association of REALTORS

Property Type

Condo/Townhome

HOA Fee

819 Monthly

Year Built

2008

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Island Reserve

Listing ID

793666

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:2
  • 1/2 Bathrooms:1
Appliances:ENERGY STAR Qualified Appliances, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker
Other:
  • Additional:Coffered Ceiling(s), Smart Home

Exterior Features

Lot Dimensions:0X0
Sewer:Public Sewer
Principal Interest
$1,871
Taxes
$283
HOA
$819

Home Price

$369,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$73,800
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$1,871.50

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $1,871.50 $282.97 $819.00 $2,973.47
Yearly $22,457.98 $3,395.69 $9,828.00 $35,681.67
Total $673,739.42 $101,870.70 $294,840.00 $1,070,450.12

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Panama City Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

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